How to Lower Your Credit Card Rates Message Board  (1 topic)

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    • Keeping your interest rates as low as possible is the object. If you are unable to persuade a creditor to lower your interest rate, and a cost-free balance transfer is not an option, you may be tempted to apply for a new lower rate card. Before you sign on the dotted line you should be aware that obtaining new credit usually lowers your credit score for a period of time. Weigh the benefits and the risks. If you plan to purchase a home or refinance your home in the near future you should be aware of your credit score and what effect a new credit will have on that score. It doesn't make sense to save 2-3% in interest on a small credit card if there is any possibility that getting that new low rate card will cost you thousands of extra dollars of mortgage interest when you refinance or purchase a home.
      Written by Rsmlifestyles  February 9, 2008 06:34 PM PST

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